Nine Lives is a new outdoor clothing and gear consignment store in Eugene, Oregon. It will be run by Jim Gearboy, a veteran of the outdoor industry who is familiar with the outdoor community in Eugene. The store offers a unique selection of used goods, superior customer service, and reasonable prices. Jim has secured a location with good foot traffic and easy accessibility. He will efficiently layout the store to increase sales and provide attentive customer service. Jim’s passion and industry knowledge will help the store quickly become profitable. Nine Lives is projected to achieve profitability by month six and generate $45,000 in revenue by year three.
1.1 Mission
Nine Lives’ mission is to provide quality outdoor clothing and gear at reasonable prices. We exist to attract and maintain customers, and when we adhere to this maxim, everything else will fall into place. Our services will exceed customer expectations.
1.2 Objectives
The objectives for the first three years of operation include:
– Create a retail store with the primary goal of exceeding customer expectations.
– Increase the number of clients served by at least 20% per year through superior performance and selection.
– Decrease dependence on nonrenewable resources by using reused goods.
– Obtain annual revenues exceeding $50,000.
Nine Lives, located in Eugene, OR, will be a consignment shop for outdoor clothing and gear. Nine Lives will offer used outdoor clothing and gear at reasonable prices, making the outdoors accessible to a wider range of people. The items will be sold on consignment, meaning Nine Lives will sell other owners’ items and pay them when sold. Typically, the consignment items will be used, including new manufacturers’ closeouts and seconds. Occasionally, Nine Lives will purchase manufacturers’ closeouts and seconds outright, but only when there are significant savings and a high chance of quick sales.
The business will become profitable in month six and experience steady growth each consecutive month.
2.1 Company Ownership
Nine Lives will be an Oregon corporation owned solely by Jim Gearboy.
2.2 Start-up Summary
Nine Lives’ start-up costs will include:
– Computer system with CD-RW, printer, and Internet connection.
– Copier and fax machine.
– Assorted office supplies.
– Used office furniture.
– Display equipment, including racks, hangers, and shelves, purchased used from a recent retailer bankruptcy.
– Mirrors for theft protection, also sourced used.
– Bar code label printer, scanner, and corresponding inventory management software.
– Advertising in local outdoors publications and the general newspaper outdoor section.
– Legal fees for the creation of the corporation and general business forms.
The items appropriate for depreciation will be depreciated using the straight-line method.
Start-up
Requirements
Start-up Expenses
– Legal: $1,000
– Advertising: $1,000
– Office supplies: $150
– Other: $0
– Total Start-up Expenses: $2,150
Start-up Assets
– Cash Required: $14,150
– Start-up Inventory: $0
– Other Current Assets: $0
– Long-term Assets: $3,700
– Total Assets: $17,850
Total Requirements: $20,000
Start-up Funding
Start-up Expenses to Fund: $2,150
Start-up Assets to Fund: $17,850
Total Funding Required: $20,000
Assets
Non-cash Assets from Start-up: $3,700
Cash Requirements from Start-up: $14,150
Additional Cash Raised: $0
Cash Balance on Starting Date: $14,150
Total Assets: $17,850
Liabilities and Capital
Liabilities
Current Borrowing: $0
Long-term Liabilities: $0
Accounts Payable (Outstanding Bills): $0
Other Current Liabilities (interest-free): $0
Total Liabilities: $0
Capital
Planned Investment:
– Owner: $20,000
– Other: $0
– Additional Investment Requirement: $0
– Total Planned Investment: $20,000
Loss at Start-up (Start-up Expenses): ($2,150)
Total Capital: $17,850
Total Capital and Liabilities: $17,850
Total Funding: $20,000
Products
Nine Lives will sell a range of outdoor clothing and gear, including:
– Fleece outerwear
– Rain gear (waterproof and coated nylon)
– Thermal underwear
– Synthetic clothing for sports or travel
– Hats
– Gloves
– Gaiters
– Shorts
– Pants
– Shirts
– Packs
– Sleeping bags
– Sleeping pads
– Tents
– Duffel bags
– Bicycles
– Kayaks
– Roof racks
– Canoes
– GPS
– Cookware and stoves, and more
Market Analysis Summary
The market for an outdoor clothing and gear consignment shop in Eugene is open. Eugene is an ideal community for Nine Lives as it is a hotbed for outdoor activities. Additionally, there are no other used outdoor clothing and gear stores in the area. The used outdoor stores in Bend and Portland have shown success, indicating a ripe market for Nine Lives in Eugene.
Market Segmentation
Nine Lives will focus on three groups of outdoor clothing and gear consumers:
1. Outdoor participants with limited financial resources: These customers have some discretionary income and enjoy outdoor activities. By shopping at an outdoor consignment shop, they can maximize their limited budget and acquire more or better equipment compared to traditional retail outlets.
2. Gearheads: This group collects outdoor gear and seeks the right clothing and equipment for each occasion or activity. Better prices at Nine Lives allow them to expand their collection without spending more.
3. Bargain hunters: This group is attracted to good deals and may not necessarily need the items. They will be excited by both used items and manufacturers’ closeouts and seconds.
Market Analysis:
Potential Customers, Growth, Year 1, Year 2, Year 3, Year 4, Year 5, CAGR:
Outdoor participants with limited financial resources, 9%, 27,014, 27,014, 29,445, 32,095, 34,984, 6.68%
Gearheads, 8%, 14,025, 14,025, 15,147, 16,359, 17,668, 5.94%
Bargain hunters, 8%, 10,584, 11,431, 12,345, 13,333, 14,400, 8.00%
Total, 6.76%, 51,623, 52,470, 56,937, 61,787, 67,052, 6.76%
Target Market Segment Strategy:
Nine Lives will target outdoor enthusiasts with limited financial resources. These individuals prioritize quality of life and outdoor activities over financial gains, making them ideal customers. The University of Oregon, located in Eugene, provides a large population base and an active outdoor student body for Nine Lives to draw from.
Nine Lives will procure merchandise from various sources:
– Individuals: These individuals prefer selling their goods rather than donating them to thrift stores. They may also sell their old items to finance new ones.
– Manufacturers: Manufacturers may want to reduce inventory by partnering with consignment shops.
– Retail store closeouts: Similar to manufacturers, retail stores may seek consignment shops to lower their inventory.
– Manufacturer representatives: Representatives often have samples from multiple manufacturers and may look to sell them when they are no longer needed.
Competition and Buying Patterns:
Currently, there are no direct competitors in Eugene. However, there are two Oregon competitors with similar product offerings in Portland and Bend. Nine Lives faces competition from new retail outdoor stores like R.E.I. and McKenzie Outfitters who offer new goods at regular retail prices. Thrift stores also pose competition, although the availability of decent used outdoor clothing and equipment is limited. Functionality trumps fashion for outdoor enthusiasts, making used equipment a popular choice across different economic levels.
Strategy and Implementation Summary:
To drive both buyers and suppliers, Nine Lives will heavily promote the store through advertisements in local outdoor magazines/journals and by reaching out to outdoor manufacturers, retail outlets, and manufacturer representatives. The store aims to turn over inventory regularly by offering reasonable prices that provide good value to customers.
Competitive Edge:
Nine Lives’ competitive advantage lies in its unique selection of used clothing and gear not found elsewhere in the city. Additionally, the store emphasizes personalized customer service and maintains a database of customers and their purchasing history.
Sales Strategy:
Nine Lives will implement proper display techniques and lighting to enhance the shopping experience. The store will feature best-selling items in the most accessible area and rotate unsold stock every 90 days to encourage frequent visits. Bar code price labels will be used for inventory control and to discourage price manipulation.
The first month will be dedicated to preparing the store, and no sales activity is expected. Month two will mark the official opening, with slow business as inventory is built up through advertising and promotion. Sales activity is projected to steadily increase from month four onward.
Sales Forecast
Year 1 Year 2 Year 3
Sales
Outdoor participants-limited $$$ $135,152 $185,214 $210,412
Gearheads $50,048 $63,541 $68,547
Bargain hunters $49,570 $62,545 $65,122
Total Sales $234,770 $311,300 $344,081
Direct Cost of Sales
Year 1 Year 2 Year 3
Outdoor participants-limited $$$ $67,576 $92,607 $105,206
Gearheads $25,024 $31,771 $34,274
Bargain hunters $24,785 $31,273 $32,561
Subtotal Direct Cost of Sales $117,385 $155,650 $172,041
5.3 Milestones
Nine Lives will have several milestones early on:
1. Business plan completion. This road map will be indispensable for the ongoing performance and improvement of the company.
2. Completion of the store redesign and back office set up.
3. Profitability.
4. Year-to-date sales exceeding $100,000.
Milestones
Milestone Start Date End Date Budget Manager Department
Business plan completion 1/1/2001 2/1/2001 $0 Jim Marketing
Completion of store redesign 1/1/2001 2/1/2001 $0 Jim Department
Profitability 1/1/2001 6/30/2001 $0 everyone Department
Y-T-D Sales exceed $100,000 1/1/2001 6/30/2001 $0 everyone Department
Totals
Management Summary
Nine Lives is an Oregon corporation founded and owned by Jim Gearboy, who holds a business degree from the University of Oregon. Jim’s undergraduate experience includes being President of U of O’s Outdoor Program, where he was responsible for motivating members to pursue organizational goals and managing the organization. He also worked at R.E.I. as a sales associate, which gave him valuable insights into running a company. After graduation, Jim became manager of the R.E.I., but desired to be closer to customers, leading him to open his own store in the outdoor industry.
6.1 Personnel Plan
Jim will work full-time as owner/general manager of Nine Lives. By month two, the company will bring on one full-time sales associate, followed by a second sales associate by month four. By month seven, another sales associate will be added.
Personnel Plan
Year 1 Year 2 Year 3
Jim $24,000 $30,000 $36,000
Sales associate $15,840 $17,500 $18,000
Sales associate $12,960 $17,500 $18,000
Sales associate $8,640 $17,500 $18,000
Total People 4 4 4
Total Payroll $61,440 $82,500 $90,000
Financial Plan
The following sections outline the important financial details.
7.1 Important Assumptions
The table below highlights important financial assumptions.
General Assumptions
Year 1 Year 2 Year 3
Plan Month 1 2 3
Current Interest Rate 10.00% 10.00% 10.00%
Long-term Interest Rate 10.00% 10.00% 10.00%
Tax Rate 25.42% 25.00% 25.42%
Other 0 0 0
7.2 Break-even Analysis
The Break-even Analysis indicates that monthly revenue needs to be $15,760 to break even.
Break-even Analysis
Monthly Revenue Break-even: $15,760
Assumptions:
– Average Percent Variable Cost: 50%
– Estimated Monthly Fixed Cost: $7,880
(Projected) Profit and Loss:
Pro Forma Profit and Loss:
Year 1 Year 2 Year 3
Sales $234,770 $311,300 $344,081
Direct Cost of Sales $117,385 $155,650 $172,041
Other $0 $0 $0
Total Cost of Sales $117,385 $155,650 $172,041
Gross Margin $117,385 $155,650 $172,041
Gross Margin % 50.00% 50.00% 50.00%
Expenses:
Payroll $61,440 $82,500 $90,000
Sales and Marketing and Other Expenses $2,400 $2,400 $2,400
Depreciation $1,200 $1,200 $1,300
Rent $18,000 $1,800 $1,800
Rent $804 $804 $804
Leased Equipment $0 $0 $0
Utilities $1,500 $1,500 $1,500
Payroll Taxes $9,216 $12,375 $13,500
Other $0 $0 $0
Total Operating Expenses $94,560 $102,579 $111,304
Profit Before Interest and Taxes $22,825 $53,071 $60,737
EBITDA $24,025 $54,271 $62,037
Interest Expense $0 $0 $0
Taxes Incurred $5,492 $13,268 $15,437
Net Profit $17,333 $39,803 $45,299
Net Profit/Sales 7.38% 12.79% 13.17%
(Projected) Cash Flow:
The following chart and table indicate projected cash flow.
Pro Forma Cash Flow:
| Pro Forma Cash Flow | |||
| Year 1 | Year 2 | Year 3 | |
| Cash Sales | $234,770 | $311,300 | $344,081 |
| Subtotal Cash from Operations | $234,770 | $311,300 | $344,081 |
| Sales Tax, VAT, HST/GST Received | $0 | $0 | $0 |
| New Current Borrowing | $0 | $0 | $0 |
| New Other Liabilities (interest-free) | $0 | $0 | $0 |
| New Long-term Liabilities | $0 | $0 | $0 |
| Sales of Other Current Assets | $0 | $0 | $0 |
| Sales of Long-term Assets | $0 | $0 | $0 |
| New Investment Received | $0 | $0 | $0 |
| Subtotal Cash Received | $234,770 | $311,300 | $344,081 |
| Cash Spending | $61,440 | $82,500 | $90,000 |
| Bill Payments | $150,306 | $203,071 | $208,991 |
| Subtotal Spent on Operations | $211,746 | $285,571 | $298,991 |
| Sales Tax, VAT, HST/GST Paid Out | $0 | $0 | $0 |
| Principal Repayment of Current Borrowing | $0 | $0 | $0 |
| Other Liabilities Principal Repayment | $0 | $0 | $0 |
| Long-term Liabilities Principal Repayment | $0 | $0 | $0 |
| Purchase Other Current Assets | $0 | $0 | $0 |
| Purchase Long-term Assets | $0 | $0 | $0 |
| Dividends | $0 | $0 | $0 |
| Net Cash Flow | $23,024 | $25,729 | $45,090 |
| Cash Balance | $37,174 | $62,903 | $107,993 |
Projected Balance Sheet:
7.5 Projected Balance Sheet
The following table indicates the projected balance sheet.
| Pro Forma Balance Sheet | |||
| Year 1 | Year 2 | Year 3 | |
| Cash | $37,174 | $62,903 | $107,993 |
| Inventory | $20,181 | $26,760 | $29,578 |
| Other Current Assets | $0 | $0 | $0 |
| Total Current Assets | $57,355 | $89,663 | $137,571 |
| Long-term Assets | $3,700 | $3,700 | $3,700 |
| Accumulated Depreciation | $1,200 | $2,400 | $3,700 |
| Total Long-term Assets | $2,500 | $1,300 | $0 |
| Total Assets | $59,855 | $90,963 | $137,571 |
| Current Liabilities | $24,672 | $15,976 | $17,285 |
| Long-term Liabilities | $0 | $0 | $0 |
| Total Liabilities | $24,672 | $15,976 | $17,285 |
| Paid-in Capital | $20,000 | $20,000 | $20,000 |
| Retained Earnings | ($2,150) | $15,183 | $54,987 |
| Earnings | $17,333 | $39,803 | $45,299 |
| Total Capital | $35,183 | $74,987 | $120,286 |
| Total Liabilities and Capital | $59,855 | $90,963 | $137,571 |
| Net Worth | $35,183 | $74,987 | $120,286 |
7.6 Business Ratios
Business ratios for the years of this plan are shown below. Industry profile ratios based on the Standard Industrial Classification (SIC) code 5932, Used Merchandise Stores, are shown for comparison.
| Ratio Analysis | ||||
| Year 1 | Year 2 | Year 3 | Industry Profile | |
| Sales Growth | 0.00% | 32.60% | 10.53% | 6.20% |
| Percent of Total Assets | ||||
| Inventory | 33.72% | 29.42% | 21.50% | 40.70% |
| Other Current Assets | 0.00% | 0.00% | 0.00% | 23.80% |
| Total Current Assets | 95.82% | 98.57% | 100.00% | 80.80% |
| Long-term Assets | 4.18% | 1.43% | 0.00% | 19.20% |
| Total Assets | 100.00% | 100.00% | 100.00% | 100.00% |
| Current Liabilities | 41.22% | 17.56% | 12.56% | 47.60% |
| Long-term Liabilities | 0.00% | 0.00% | 0.00% | 12.00% |
| Total Liabilities | 41.22% | 17.56% | 12.56% | 59.60% |
| Net Worth | 58.78% | 82.44% | 87.44% | 40.40% |
| Percent of Sales | ||||
| Sales | 100.00% | 100.00% | 100.00% | 100.00% |
| Gross Margin | 50.00% | 50.00% | 50.00% | 31.00% |
| Selling, General & Administrative Expenses | 43.09% | 37.50% | 37.00% | 17.10% |
| Advertising Expenses | 1.02% | 0.77% | 0.70% | 1.80% |
| Profit Before Interest and Taxes | 9.72% | 17.05% | 17.65% | 1.40% |
| Main Ratios | ||||
| Current | 2.32 | 5.61 | 7.96 | 2.11 |
| Quick | 1.51 | 3.94 | 6.25 | 0.80 |
| Total Debt to Total Assets | 41.22% | 17.56% | 12.56% | 59.60% |
| Pre-tax Return on Net Worth | 64.87% | 70.77% | 50.49% | 3.40% |
| Pre-tax Return on Assets | 38.13% | 58.34% | 44.15% | 8.40% |
| Additional Ratios | Year 1 | Year 2 | Year 3 | |
| Net Profit Margin | 7.38% | 12.79% | 13.17% | n.a |
| Return on Equity | 49.27% | 53.08% | 37.66% | n.a |
| Activity Ratios | ||||
| Inventory Turnover | 10.91 | 6.63 | 6.11 | n.a |
| Accounts Payable Turnover | 7.09 | 12.17 | 12.17 | n.a |
| Payment Days | 27 | 38 | 29 | n.a |
| Total Asset Turnover | 3.92 | 3.42 | 2.50 | n.a |
| Debt Ratios | ||||
| Debt to Net Worth | 0.70 | 0.21 | 0.14 | n.a |
| Current Liab. to Liab. | 1.00 | 1.00 | 1.00 | n.a |
| Liquidity Ratios | ||||
| Net Working Capital | $32,683 | $73,687 | $120,286 | n.a |
| Interest Coverage | 0.00 | 0.00 | 0.00 | n.a |
| Additional Ratios | ||||
| Assets to Sales | 0.25 | 0.29 | 0.40 | n.a |
| Current Debt/Total Assets | 41% | 18% | 13% | n.a |
| Acid Test | 1.51 | 3.94 | 6.25 | n.a |
| Sales/Net Worth | 6.67 | 4.15 | 2.86 | n.a |
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 |
Pro Forma Profit and Loss:
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 |
| $0 | $6,750 | $8,000 | $12,117 | $13,342 | $15,923 | $22,711 | $24,997 | $28,840 | $32,457 | $32,940 | $36,693 |
| $0 | $3,375 | $4,000 | $6,059 | $6,671 | $7,962 | $11,356 | $12,499 | $14,420 | $16,229 | $16,470 | $18,347 |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| $0 | $3,375 | $4,000 | $6,059 | $6,671 | $7,962 | $11,356 | $12,499 | $14,420 | $16,229 | $16,470 | $18,347 |
| $0 | $3,375 | $4,000 | $6,059 | $6,671 | $7,962 | $11,356 | $12,499 | $14,420 | $16,229 | $16,470 | $18,347 |
| $0 | $3,375 | $4,000 | $6,059 | $6,671 | $7,962 | $11,356 | $12,499 | $14,420 | $16,229 | $16,470 | $18,347 |
Pro Forma Cash Flow:
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 |
| $0 | $6,750 | $8,000 | $12,117 | $13,342 | $15,923 | $22,711 | $24,997 | $28,840 | $32,457 | $32,940 | $36,693 |
| $0 | $6,750 | $8,000 | $12,117 | $13,342 | $15,923 | $22,711 | $24,997 | $28,840 | $32,457 | $32,940 | $36,693 |
| $2,000 | $3,440 | $3,440 | $4,880 | $4,880 | $4,880 | $6,320 | $6,320 | $6,320 | $6,320 | $6,320 | $6,320 |
| $30 | $1,169 | $8,777 | $6,740 | $10,533 | $9,814 | $12,306 | $18,418 | $17,514 | $20,735 | $22,753 | $21,516 |
| $2,030 | $4,609 | $12,217 | $11,620 | $15,413 | $14,694 | $18,626 | $24,738 | $23,834 | $27,055 | $29,073 | $27,836 |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
Pro Forma Balance Sheet
| Pro Forma Balance Sheet | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Assets | Starting Balances | ||||||||||||
| Current Assets | |||||||||||||
| Cash | $14,150 | $12,120 | $14,261 | $10,043 | $10,540 | $8,469 | $9,698 | $13,782 | $14,041 | $19,047 | $24,450 | $28,317 | $37,174 |
| Inventory | $0 | $0 | $3,713 | $4,400 | $6,664 | $7,338 | $8,758 | $12,491 | $13,748 | $15,862 | $17,851 | $18,117 | $20,181 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $14,150 | $12,120 | $17,973 | $14,443 | $17,204 | $15,807 | $18,455 | $26,273 | $27,790 | $34,909 | $42,301 | $46,434 | $57,355 |
| Long-term Assets | |||||||||||||
| Long-term Assets | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 | $3,700 |
| Accumulated Depreciation | $0 | $100 | $200 | $300 | $400 | $500 | $600 | $700 | $800 | $900 | $1,000 | $1,100 | $1,200 |
| Total Long-term Assets | $3,700 | $3,600 | $3,500 | $3,400 | $3,300 | $3,200 | $3,100 | $3,000 | $2,900 | $2,800 | $2,700 | $2,600 | $2,500 |
| Total Assets | $17,850 | $15,720 | $21,473 | $17,843 | $20,504 | $19,007 | $21,555 | $29,273 | $30,690 | $37,709 | $45,001 | $49,034 | $59,855 |
| Liabilities and Capital | |||||||||||||
| Month 1 | Month 2 | Month 3 | Month 4 | Month 5 | Month 6 | Month 7 | Month 8 | Month 9 | Month 10 | Month 11 | Month 12 | ||
| Current Liabilities | |||||||||||||
| Accounts Payable | $0 | $874 | $8,557 | $6,388 | $10,208 | $9,411 | $11,691 | $17,838 | $16,825 | $19,975 | $22,040 | $20,666 | $24,672 |
| Current Borrowing | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Subtotal Current Liabilities | $0 | $874 | $8,557 | $6,388 | $10,208 | $9,411 | $11,691 | $17,838 | $16,825 | $19,975 | $22,040 | $20,666 | $24,672 |
| Long-term Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $0 | $874 | $8,557 | $6,388 | $10,208 | $9,411 | $11,691 | $17,838 | $16,825 | $19,975 | $22,040 | $20,666 | $24,672 |
| Paid-in Capital | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 | $20,000 |
| Retained Earnings | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) | ($2,150) |
| Earnings | $0 | ($3,004) | ($4,934) | ($6,395) | ($7,554) | ($8,254) | ($7,986) | ($6,414) | ($3,985) | ($115) | $5,111 | $10,518 | $17,333 |
| Total Capital | $17,850 | $14,846 | $12,916 | $11,455 | $10,296 | $9,596 | $9,864 | $11,436 | $13,865 | $17,735 | $22,961 | $28,368 | $35,183 |
| Total Liabilities and Capital | $17,850 | $15,720 | $21,473 | $17,843 | $20,504 | $19,007 | $21,555 | $29,273 | $30,690 | $37,709 | $45,001 | $49,034 | $59,855 |
| Net Worth | $17,850 | $14,846 | $12,916 | $11,455 | $10,296 | $9,596 | $9,864 | $11,436 | $13,865 | $17,735 | $22,961 | $28,368 | $35,183 |
Business Plan Outline
- Executive Summary
- Company Summary
- Products
- Market Analysis Summary
- Strategy and Implementation Summary
- Management Summary
- Financial Plan
- Appendix
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